Norway

Sweden

Clients who are dissatisfied with any of Pareto Securities AB’s services are encouraged to contact us to express their grievance as soon as possible. The person or department within Pareto Securities AB who handled the assignment should be contacted first. If you are still dissatisfied you can send a written complaint to the Complaints Manager at Pareto Securities AB. The head of the compliance department is responsible for complaints management at Pareto Securities AB (“Complaints Manager”).

Clients will receive confirmation in writing that the complaint has been received and that the matter is being investigated. In cases where the matter has been handled by the Complaints Manager, the client will receive the decision in writing, regardless if we can accommodate the client’s request or not. Complaints are to be sent to:

Clients who are consumers can obtain advice from the Swedish Consumers’ Banking & Finance Bureau as well as through the municipal consumer guidance. In order to have a case examined independently and free of charge, clients can contact the National Board for Consumer Disputes (ARN) or a public court of law. Complaints must be submitted to ARN within six months from the date Pareto Securities AB first fully or partially rejected the client’s claim. ARN provides recommendations on how disputes between clients and securities institutions should be resolved. For more information, go to www.arn.se.

Finland

Clients who are dissatisfied with any of Pareto Securities Oy’s services are encouraged to contact us to express their grievance as soon as possible. The person or department within Pareto Securities Oy who handled the assignment should be contacted first. If you are still dissatisfied you can send a written complaint to the following address:

The Finnish Financial Ombudsman Bureau (FINE) provides advisory services to private individuals and small enterprises in problem situations relating to the banking, insurance and securities sectors. The Finnish Insurance, Banking and Securities Complaints Boards operate in connection with FINE. The Complaints Boards issue recommendations on disputes in their respective fields.